Processor issuer detection and user level stand-in authorization
US10282709B2 · kind B2 · utility
1Cited by
5References
20Claims
0Family size
Assignee
Inventors
Key dates
| Filing date | Apr 7, 2014 |
| Grant date | May 7, 2019 |
| Priority date | — |
| Expiry date | Feb 24, 2035 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/4016
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Embodiments of the invention are directed to systems and methods for stand-in processing using data driven capabilities. Transaction activity of an issuer may be monitored to detect a major incident and to automatically invoke stand-in processing. By modeling each individual account holder's behavior, improved authorization outcomes may be provided by a payment processing network during stand-in processing.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.